This policy applies to the collection, use, disclosure, and management of personal information by Credit Canada Debt Solutions (Credit Canada).
Effective as of January 5, 2026.
To review our current Privacy Policy, please click here.
At Credit Canada Debt Solutions (Credit Canada) our goal is to continually provide products and services that meet and exceed your expectations. Credit Canada is committed to respecting the privacy and confidentiality of the information that we collect from our customers and have built our Privacy Policies and practices in compliance with applicable provincial and federal legislation in Canada.
This policy applies to all Credit Canada products and services, including those associated with our budget app, Butterfly, and our chatbot, Mariposa.
This Privacy Policy may be amended at our discretion and without prior notice. You are responsible for reviewing it regularly, as it may be revised from time to time. By accessing or using this site, you acknowledge that you have read, understood, and agree to the Privacy Policy.
This Privacy Policy explains how Credit Canada collects, uses, and discloses your personal data, including when you:
Credit Canada collects and uses personal information to provide advice and information on personal money management issues, as well as to offer debt repayment options to its clients by negotiating with their various creditors.
The practices described in this Policy reflect requirements imposed by federal and/or provincial laws in force in Canada.
This Privacy Policy covers the following topics:
Account means a unique account created for you to access our Services or parts of our Services.
Cookies are small files placed on your computer, mobile device, or any other device by a website, containing the details of your browsing history on that website, among its many uses.
Device means any device that can access the service, such as a computer, cell phone, or digital tablet.
Personal information is any information that can be used to identify you directly or indirectly (e.g., your identity data, bank statements, device identifier).
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service, or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated using the Service or from the Service infrastructure (for example, the duration of a page visit).
Generally, we obtain your consent to process personal data. Consent can be provided electronically, or it can be implied where the purpose for collecting, using, or disclosing your personal data would be considered obvious.
Consent may also be implied where we give you notice and a reasonable opportunity to opt out of having your personal data used, and you do not opt out. Subject to certain exceptions, you can withhold your consent for Credit Canada to use your personal data in certain ways – you can do so by contacting us. Your decision to withhold your consent to certain uses of Personal Data may restrict our ability to provide services or functionality.
Credit Canada will not collect, use, or disclose a client's personal data without the consent of the client.
Credit Canada processes personal data, which may be collected in two ways:
Credit Canada may collect, use, and disclose your Personal Data for the following purposes:
To administer services and operations, certain personal data may be shared with, or accessed by, authorized third-party service providers, such as e-commerce providers, payment card processers, telephone and technical support providers, data storage and processing service providers, and research and analytics providers. Your personal data will be provided to such third-party service providers only to enable the proper administration of such services and operations.
Additionally, we may use and disclose your information when we believe such use or disclosure is permitted, necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities; (d) to enforce the terms of the agreements for our products and services; (e) to protect our rights, operations or property; and (f) to allow us to pursue available remedies or limit the damages that we may sustain. In addition, we may transfer your personal data and other information to a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business, brands, affiliates, subsidiaries, or other assets.
All information provided to Credit Canada related to our Debt Consolidation Programs (DCPs) is kept strictly confidential and is protected in accordance with Canada's privacy laws. Credit Canada will not release any information regarding clients' files without obtaining their written authorization (or electronic signature), unless required by law. This includes personal information as defined in PIPEDA.
Credit Canada is committed to meeting the requirements of Canada’s Anti-Spam Legislation, including through any commercial electronic messages sent by Credit Canada to you. You may “Unsubscribe” from receiving any such applicable communications from us at any time using the link in the communication, and your electronic address will be removed from our databases.
What Technologies Do We Use?
Our website uses cookie technology to enhance your experience and make your use of our website more convenient. A cookie is a text file that enables our website to store information about your activities on the website, such as the date and time of visits, pages viewed, time spent, and websites visited just before and just after our website. Personal data about your visits to and use of the website is used on an aggregate basis, which means it is used for statistical purposes to enhance your online experience or to evaluate the materials we may carry on the website.
Credit Canada utilizes Google Analytics, a web analytics service provided by Google that tracks and reports website traffic. Google uses the collected data to track and monitor the use of our services. This data is shared with other Google services.
Web beacons (also called “clear GIFs” or “pixel tags”), which are small strings of code placed in a web page or an email message, may be used in conjunction with cookies to track activity on our website. Since they are used in combination with cookies, if you disable cookies, the web beacons will only detect an anonymous website visit.
Do We Use Cookies for Targeted Advertising?
Our Online Platforms may also use services to advertise on third-party websites to previous visitors to our Online Platforms (e.g., Google AdWords, Facebook Conversion Pixel, and Twitter remarketing). Third-party vendors use cookies to serve ads based on someone’s past visits to our Online Platforms. For example, after browsing our website, you may receive related ads on your Facebook account. This is known as interest-based advertising. In such cases, any data collected by Credit Canada will be used in accordance with this Privacy Policy and, for those other platforms, in accordance with their respective privacy policies.
How You Can Manage Your Cookie Preferences
If you choose to disable cookies associated with our Online Platforms, this may affect your use of those platforms and your ability to access certain features. For more information on cookies, refer to websites such as http://www.cookiecentral.com and https://www.allaboutcookies.org.
You can also use WebChoices, which is a browser-based tool for opting out of interest-based advertising. AdChoices provides additional solutions and explanations to block and control cookies, as well as plug-ins to retain opt-out cookie preferences, even if you delete your cookies.
Depending on the browser that you are using, different instructions are applicable. In the list below, click on the browser that you use to find out more information:
You can opt out of making your activity on the website available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy.
Links to Other Sites
Our website may contain links to other websites, applications or digital products that are not operated by us. Credit Canada has no responsibility for, control over, or liability for those websites or internet resources, or their collection, use, and disclosure of your Personal Data. We recommend that you refer to the privacy policy and terms of use contained in any linked site that you choose to go to and that you familiarize yourself with that website’s terms and conditions of use.
Credit Canada retention policy provides that files regarding Debt Consolidation Programs (DCPs) are retained for a maximum of 7 years from the date of last activity, after which time the files are permanently destroyed.
Credit Canada retention policy provides that files regarding financial counselling, coaching, and other programs, are retained for a maximum period of 7 years from the date of last activity, after which time the files are permanently destroyed.
Personal information that is no longer required to fulfill the identified purposes or that is not required to be retained pursuant to any applicable law is destroyed, erased or made anonymous. Credit Canada reviews the personal information in its custody and control on a periodic basis in order to ensure that personal information no longer required to be retained has been destroyed, erased or made anonymous.
Credit Canada endeavours to maintain appropriate procedural and technological measures as well as storage facilities to prevent any unauthorized use or disclosure of your personal data. We take commercially reasonable efforts to protect any personal data that is provided. We cannot, however, guarantee the security of any personal data that is provided to us in an e-mail or in online form while it is being transmitted to us, because the internet is a potentially non-secure method of information transfer. Any such transmission is at your own risk.
Credit Canada uses Artificial Intelligence (AI) tools to help us understand and improve your experience by spotting trends, personalizing recommendations, and making our services run more smoothly.
Your privacy is important to us. We follow applicable privacy and security laws, use secure systems, and remove personal details when possible before running AI analysis.
We take steps to protect your privacy, including:
Our use of AI does not replace human oversight in decisions that could have a significant impact on you.
The law provides you with some rights over your personal data, notably the right to access and request correction to the personal data that we retain about you, if it is incorrect, incomplete, invalid, or ambiguous.
Request to Access
If you have any questions about the collection, use, or disclosure of your personal data by us, want to know whether we have any of your personal data on file, or if you want to access information that we have collected about you, you may reach us at the information contact provided in section 16 and we will respond to your requests for access in accordance with applicable privacy legislation, this Privacy Policy, and/or any more specific agreement we may have with you related to your personal data. In the event that we refuse access to you, reasons for our refusal will be provided upon your request. For example, your request could be refused because it may include information about other individuals, information that cannot be disclosed for legal, security, or commercial proprietary reasons, or information that is subject to solicitor-client or litigation privilege.
Request to Correct
We will make reasonable efforts to ensure that your personal data is accurate and complete. You may request correction to your personal data in order to ensure its accuracy and completeness. A request to correct personal data can be sent to the contact provided in section 16 and must provide sufficient detail to identify the personal data and the correction being sought. If such personal data is demonstrated to be inaccurate or incomplete, we will correct the information as required and send the corrected information to any third party to which we may have disclosed the personal data previously in accordance with this Privacy Policy and legislation.
Credit Canada maintains a strict confidentiality agreement with those who have access to the personal data being held by Credit Canada. Any corrections to the information can be given to those parties. Credit Canada recognizes that it is crucial for creditors of its clients to have current and accurate information in order to make informed decisions regarding the acceptance of our clients' Debt Consolidation Programs, as well as other credit-related decisions.
Request to Delete
You may have a right to request that we delete the personal data we hold about you. In that case:
Your Role
We expect you to provide us with accurate and up-to-date personal data as may be required for your participation in one of the purposes of data use, which can be found in Section 8. We also expect that you will otherwise follow the expectations set out in this policy, or notify us of your questions or concerns as soon as possible, as indicated within this policy. We also expect that you will provide us with accurate and up-to-date information related to any concerns that you may have regarding our data management practices, as well as information that will help us determine issues of privacy compliance
Our Role
We will take all reasonable steps to ensure that we comply with our obligations under this policy. We will also take reasonable steps to ensure that we notify you should this policy be updated or the circumstances for which we are using your personal data changes.
Questions or concerns regarding our collection, use, and disclosure of your personal data or about this Privacy Policy can be directed to our IT Director, who is our designated person in charge of protecting personal data, at the following e-mail address: privacy@creditcanada.com or at the following postal address:
Privacy Officer Credit Canada
90 Sheppard Avenue East, Suite 304
Toronto ON M2N 3A1
This policy applies to the collection, use, disclosure, and management of personal information by Credit Canada Debt Solutions (CCDS).
Effective until January 5, 2026.
The IT Manager of CCDS is accountable for compliance with these policies and procedures regarding the manner in which CCDS collects, uses, discloses and otherwise manages personal information.
The IT Manager is appointed as the Privacy Officer for CCDS.
CCDS is responsible for personal information in its custody and control.
CCDS collects and uses personal information to provide advice and information on personal money management issues and to provide advice,
CCDS also uses the aggregate demographic information from the personal information collected to identify services and programs that may benefit the communities we serve; to target our marketing and awareness programs; and to maintain the ongoing financial support and cooperation of our stakeholders. No individual can be identified through this information.
CCDS personnel are trained to explain the purposes of collecting the information to any client who asks for an explanation. The purpose for which personal information is collected and used by CCDS personnel is communicated to each client at or prior to the time of collection.
CCDS will not collect, use or disclose a client's personal information without the express consent of the client.
CCDS personnel collect personal information about individuals only where such individual is a client or potential client of CCDS. Our clients' personal information is not used or disclosed for purposes other than those for which it was collected, except with the consent of the client or as required by law.
All information provided to CCDS related to our Debt Consolidation Programs (DCPs) is kept strictly confidential and is protected in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). CCDS will not release any information regarding clients' files without obtaining their written authorization (unless required by law). This includes personal information as defined in PIPEDA.
CCDS discloses personal information only for the purposes for which it was collected. It keeps information for as long as it is required for the stated purposes.
CCDS retention policy provides that files regarding Debt Consolidation Programs (DCPs) are retained for a maximum of 7 years from the date the DCP is closed, after which time the files are permanently destroyed.
CCDS retention policy provides that files regarding financial counselling, coaching, and other programs, are retained for a maximum period of 7 years from the date of collection, after which time the files are permanently destroyed.
Personal information that is no longer required to fulfill the identified purposes or that is not required to be retained pursuant to any applicable law is destroyed, erased or made anonymous. CCDS reviews the personal information in its custody and control on a periodic basis in order to ensure that personal information no longer required to be retained has been destroyed, erased or made anonymous.
CCDS ensures, to the best of its ability, that the information it holds is accurate, complete, current and relevant to the identified purposes.
CCDS maintains a strict confidentiality agreement with those who have access to the personal information being held by CCDS. Any corrections to the information can be given to those parties. CCDS recognizes that it is crucial that creditors of its clients have current and accurate information in order to make important decisions regarding the acceptance of our client Debt Consolidation Programs as well as other credit decisions.
CCDS ensures that personal information is stored in electronic and physical files that are physically secure. Security measures include storage of files in locked filing facilities when not in use; secure locks on the offices of CCDS and its satellite offices. Electronic files are protected by encryption software. Staff passwords to access such electronic files are controlled and employ high-level encryption practices.
Distribution of personal information regarding clients is restricted to the employees of CCDS and any creditors for whom a Debt Consolidation Program is entered into in respect of CCDS clients.
The employees of CCDS sign a Confidentiality Agreement and will abide by these privacy policies and procedures.
Physical CCDS files containing personal information are shredded under the supervision of CCDS employees. Deleted electronic files will be permanently removed from the system, as discussed in section five (5).
Upon written request, CCDS will provide an individual with confirmation as to whether CCDS has personal information about them, what the information is, what it is being used for and to whom the information has been disclosed.
Individuals should send their written request for access, with contact information and enough information about themselves to identify them to the Privacy Officer of CCDS.
CCDS will respond within thirty (30) days of receiving any access request at no cost to the individual.
If the individual can provide proof of an error in the personal information held by CCDS, then CCDS will amend the information and where appropriate, send the corrected information to others who have used the incorrect information.
If CCDS denies the individual's request for access, it will state the reasons for denial.
Individuals may send any complaints regarding CCDS's compliance with its own privacy policies and procedures to the Privacy Officer of CCDS. The Privacy Officer or designated staff will investigate the complaint and respond to the individual.
If the individual's complaint is justified, CCDS will change its policies and procedures related to the matter so that other individuals will not experience the same problem.
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